Drug Treatment Financing Options

Let's face it, drug treatment programs cost money---serious money. While there are free or state-sponsored drug rehab programs out there, the programs that have generally shown a demonstrable level of success and that can provide quality treatment services with accountability and without the hassles of waiting, are private rehab facilities.

As mentioned earlier, financing your drug treatment can be a costly proposition. The average cost of inpatient drug rehab programs is about $7,000 per month, or around $4,000 per year for the outpatient treatment programs on the low end of the spectrum. And since rehabilitation is not the quickest of processes, a long-term inpatient drug rehab center could cost you $30,000 or more. The most expensive rehabs in the world can cost that much in a matter of weeks. Getting better, however, should always be a recovering addict's priority. After all, the cost of not committing to ridding your system of drugs and alcohol is much, much higher than what inpatient drug rehab programs charge, and we're not just talking about financial cost here.

The good news is that drug addicts ready to change their lives, but without enough money to pay for the cost of drug rehab, do have options. There are a number of ways that you can finance your drug treatment. Getting loans from friends and family is one. While they will never consent to giving you money to feed your drug habit, they probably will lend a helping hand if you clearly demonstrate that you intend to get better and kick the habit once and for all. You can always get the inpatient or outpatient drug rehab facility of your choice to arrange for family members or friends to pay them directly, so they won't have to worry about you spending their financial aid on more drugs.

You can also use credit cards to finance your drug treatment. Though normally high interest bearing, credit cards can give you the immediate and short term cash you need to help pay for your drug rehabilitation costs. If you qualify for a 0% interest offer you may have found one of the cheapest financing methods available.

There are certainly scenarios where addicts ready to get sober and begin recovery who don't have much cash on hand will refinance their home and take advantage of the equity in it. If you own your own home, you could qualify for a home equity loan, a type of loan that banks consider as relatively low risk since you guarantee the loan amount with your home.

Selling personal assets is a common practice among cash-strapped drug addicts to help pay for their drug fix. Why not do the same to finance your own drug treatment? Possessions like your car, giant flat screen TV, expensive home theater system or jewelry are definitely less important than your health. Selling them to help you get your life back on track is a very sensible thing to do.

Just like with cars, houses, or plastic surgery, there are also drug treatment financing programs that make it easier for recovering addicts to pay for their rehabilitation. Many private drug treatment facilities, including long term alcohol rehab centers offer financing for their clients. Some are in-house financing programs that offer affordable and flexible credit terms, while some drug rehab centers work with external medical financing companies that can lend you part of, or the entire program cost, and enable you to you to make longer-term payments.

If you are really committed to turning your life around, be prepared to make an investment in your own sobriety. Spending for your recovery from drugs, after all, is indeed an investment, as any short term financial losses incurred for your treatment can definitely be recouped with long term financial gains once you're sober. But most importantly, you will have a drug-free life ahead of you, and nothing could be more important than that.